Audio By Vocalize Multiple data sources now allow underwriters to evaluate exposures in near real time and identify emerging threats earlier. [Courtesy] Kenya entered 2026 with cautious optimism. Yet this progress is unfolding alongside a risk environment that is becoming more volatile, interconnected, and harder to predict. Climate shocks are more frequent, cyber incidents more disruptive, and regulatory and litigation pressures more exacting. Political uncertainty continues to influence operating conditions, while expectations around data protection and governance are rising. In this context, underwriting based primarily on historical loss experience is proving increasingly inadequate. The most significant shift in underwriting today…